WO2010065964A3 - Loyalty program service - Google Patents

Loyalty program service Download PDF

Info

Publication number
WO2010065964A3
WO2010065964A3 PCT/US2009/067021 US2009067021W WO2010065964A3 WO 2010065964 A3 WO2010065964 A3 WO 2010065964A3 US 2009067021 W US2009067021 W US 2009067021W WO 2010065964 A3 WO2010065964 A3 WO 2010065964A3
Authority
WO
WIPO (PCT)
Prior art keywords
loyalty program
specific
transaction
acquirer
issuer
Prior art date
Application number
PCT/US2009/067021
Other languages
French (fr)
Other versions
WO2010065964A2 (en
Inventor
Edward W. Fordyce
Karteek Hasmukh Patel
David Chauncey Shepard
Original Assignee
Visa U.S.A. Inc.
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by Visa U.S.A. Inc. filed Critical Visa U.S.A. Inc.
Publication of WO2010065964A2 publication Critical patent/WO2010065964A2/en
Publication of WO2010065964A3 publication Critical patent/WO2010065964A3/en

Links

Classifications

    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q30/00—Commerce
    • G06Q30/02—Marketing; Price estimation or determination; Fundraising
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q30/00—Commerce
    • G06Q30/02—Marketing; Price estimation or determination; Fundraising
    • G06Q30/0207—Discounts or incentives, e.g. coupons or rebates
    • G06Q30/0226—Incentive systems for frequent usage, e.g. frequent flyer miles programs or point systems
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q30/00—Commerce
    • G06Q30/02—Marketing; Price estimation or determination; Fundraising
    • G06Q30/0207—Discounts or incentives, e.g. coupons or rebates
    • G06Q30/0238—Discounts or incentives, e.g. coupons or rebates at point-of-sale [POS]

Abstract

A loyalty program for a transaction processing system includes a loyalty program database with loyalty program business rules that are usable to determine when a transaction qualifies for the loyalty program. A loyalty program rule implementer receives transaction data whenever a transaction occurs and uses the received transaction data and the program business rules to determine when a transaction qualifies for the loyalty program. The loyalty program rule implementer is an entity other than an issuer, an acquirer or a merchant. The loyalty program business rules require that the transaction relate to at least one of a specific merchant, a specific issuer, a specific acquirer, a specific consumer, a specific product/service, a consumer having a specific characteristic, a merchant having a specific characteristic, an issuer having a specific characteristic, an acquirer having a specific characteristic and a product/service having a specific characteristic.
PCT/US2009/067021 2008-12-06 2009-12-07 Loyalty program service WO2010065964A2 (en)

Applications Claiming Priority (4)

Application Number Priority Date Filing Date Title
US12043208P 2008-12-06 2008-12-06
US61/120,432 2008-12-06
US12/630,622 2009-12-03
US12/630,622 US20100145786A1 (en) 2008-12-06 2009-12-03 Loyalty program service

Publications (2)

Publication Number Publication Date
WO2010065964A2 WO2010065964A2 (en) 2010-06-10
WO2010065964A3 true WO2010065964A3 (en) 2010-09-02

Family

ID=42232120

Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/US2009/067021 WO2010065964A2 (en) 2008-12-06 2009-12-07 Loyalty program service

Country Status (2)

Country Link
US (1) US20100145786A1 (en)
WO (1) WO2010065964A2 (en)

Families Citing this family (47)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CA2591175C (en) * 2006-06-08 2017-03-07 Edatanetworks Inc. Method, system and computer program for client acquisition
US9489680B2 (en) 2011-02-04 2016-11-08 American Express Travel Related Services Company, Inc. Systems and methods for providing location based coupon-less offers to registered card members
US9430773B2 (en) 2006-07-18 2016-08-30 American Express Travel Related Services Company, Inc. Loyalty incentive program using transaction cards
US9542690B2 (en) 2006-07-18 2017-01-10 American Express Travel Related Services Company, Inc. System and method for providing international coupon-less discounts
US9558505B2 (en) 2006-07-18 2017-01-31 American Express Travel Related Services Company, Inc. System and method for prepaid rewards
US20110264490A1 (en) 2006-07-18 2011-10-27 American Express Travel Related Services Company, Inc. System and method for administering marketing programs
US9613361B2 (en) 2006-07-18 2017-04-04 American Express Travel Related Services Company, Inc. System and method for E-mail based rewards
US9934537B2 (en) 2006-07-18 2018-04-03 American Express Travel Related Services Company, Inc. System and method for providing offers through a social media channel
US9767467B2 (en) 2006-07-18 2017-09-19 American Express Travel Related Services Company, Inc. System and method for providing coupon-less discounts based on a user broadcasted message
US20100145778A1 (en) * 2008-12-08 2010-06-10 Fordyce Iii Edward W Consumer commercial behavior modification through multiple merchant incentive program
US9443253B2 (en) 2009-07-27 2016-09-13 Visa International Service Association Systems and methods to provide and adjust offers
US10546332B2 (en) 2010-09-21 2020-01-28 Visa International Service Association Systems and methods to program operations for interaction with users
MX2012007926A (en) * 2010-01-08 2012-08-03 Blackhawk Network Inc A system for processing, activating and redeeming value added prepaid cards.
US9697520B2 (en) 2010-03-22 2017-07-04 Visa U.S.A. Inc. Merchant configured advertised incentives funded through statement credits
US20110276366A1 (en) * 2010-05-10 2011-11-10 Jean-Philippe Goyet Method and system for evaluating a mobile device manufacturer performance
US8359274B2 (en) 2010-06-04 2013-01-22 Visa International Service Association Systems and methods to provide messages in real-time with transaction processing
US9972021B2 (en) 2010-08-06 2018-05-15 Visa International Service Association Systems and methods to rank and select triggers for real-time offers
WO2012024109A1 (en) * 2010-08-16 2012-02-23 American Express Travel Related Services Company, Inc. System and method for population based rewards
US9679299B2 (en) 2010-09-03 2017-06-13 Visa International Service Association Systems and methods to provide real-time offers via a cooperative database
US9477967B2 (en) 2010-09-21 2016-10-25 Visa International Service Association Systems and methods to process an offer campaign based on ineligibility
US10055745B2 (en) 2010-09-21 2018-08-21 Visa International Service Association Systems and methods to modify interaction rules during run time
US9558502B2 (en) 2010-11-04 2017-01-31 Visa International Service Association Systems and methods to reward user interactions
US10438299B2 (en) 2011-03-15 2019-10-08 Visa International Service Association Systems and methods to combine transaction terminal location data and social networking check-in
US10223707B2 (en) 2011-08-19 2019-03-05 Visa International Service Association Systems and methods to communicate offer options via messaging in real time with processing of payment transaction
US9466075B2 (en) 2011-09-20 2016-10-11 Visa International Service Association Systems and methods to process referrals in offer campaigns
US8849699B2 (en) 2011-09-26 2014-09-30 American Express Travel Related Services Company, Inc. Systems and methods for targeting ad impressions
US10380617B2 (en) 2011-09-29 2019-08-13 Visa International Service Association Systems and methods to provide a user interface to control an offer campaign
US10290018B2 (en) 2011-11-09 2019-05-14 Visa International Service Association Systems and methods to communicate with users via social networking sites
US10497022B2 (en) 2012-01-20 2019-12-03 Visa International Service Association Systems and methods to present and process offers
US10672018B2 (en) 2012-03-07 2020-06-02 Visa International Service Association Systems and methods to process offers via mobile devices
US10181126B2 (en) 2012-03-13 2019-01-15 American Express Travel Related Services Company, Inc. Systems and methods for tailoring marketing
US9195988B2 (en) 2012-03-13 2015-11-24 American Express Travel Related Services Company, Inc. Systems and methods for an analysis cycle to determine interest merchants
US20140025460A1 (en) * 2012-07-20 2014-01-23 First Data Corporation Enhanced transaction processing
US9514484B2 (en) 2012-09-07 2016-12-06 American Express Travel Related Services Company, Inc. Marketing campaign application for multiple electronic distribution channels
US10664883B2 (en) 2012-09-16 2020-05-26 American Express Travel Related Services Company, Inc. System and method for monitoring activities in a digital channel
US8868444B2 (en) 2012-09-16 2014-10-21 American Express Travel Related Services Company, Inc. System and method for rewarding in channel accomplishments
US10504132B2 (en) * 2012-11-27 2019-12-10 American Express Travel Related Services Company, Inc. Dynamic rewards program
US20140244376A1 (en) * 2013-02-22 2014-08-28 Mastercard International Incorporated System and method for facilitating off-peak sales using a payment card network
US10489754B2 (en) 2013-11-11 2019-11-26 Visa International Service Association Systems and methods to facilitate the redemption of offer benefits in a form of third party statement credits
US10419379B2 (en) 2014-04-07 2019-09-17 Visa International Service Association Systems and methods to program a computing system to process related events via workflows configured using a graphical user interface
US10354268B2 (en) 2014-05-15 2019-07-16 Visa International Service Association Systems and methods to organize and consolidate data for improved data storage and processing
US10395237B2 (en) 2014-05-22 2019-08-27 American Express Travel Related Services Company, Inc. Systems and methods for dynamic proximity based E-commerce transactions
US11210669B2 (en) 2014-10-24 2021-12-28 Visa International Service Association Systems and methods to set up an operation at a computer system connected with a plurality of computer systems via a computer network using a round trip communication of an identifier of the operation
US10157400B1 (en) * 2015-02-26 2018-12-18 Randolph Georgi Interoperable reward currency system, method, and apparatus
US10614478B1 (en) 2015-02-26 2020-04-07 Randolph Georgi Directed digital currency system, method, and apparatus
US10296932B2 (en) * 2016-05-12 2019-05-21 International Business Machines Corporation System and method for differentiated customer service in terms of fufillment experience based on customer loyalty and cost to serve
US11783362B2 (en) * 2021-06-30 2023-10-10 Edatanetworks Inc. Client acquisition and surveying

Citations (4)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US20020120514A1 (en) * 2001-02-06 2002-08-29 International Business Machines Corporation Method, computer system and computer program product for processing customer loyalty data
US20020123926A1 (en) * 2001-03-01 2002-09-05 Bushold Thomas R. System and method for implementing a loyalty program incorporating on-line and off-line transactions
US20050240477A1 (en) * 2004-04-23 2005-10-27 Martiz Inc. Cardholder loyalty program with rebate
US20060253320A1 (en) * 2005-05-06 2006-11-09 First Data Corporation Loyalty systems and methods

Family Cites Families (20)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US8538801B2 (en) * 1999-02-19 2013-09-17 Exxonmobile Research & Engineering Company System and method for processing financial transactions
WO2000060516A2 (en) * 1999-04-01 2000-10-12 Walker Digital, Llc Method and system for the presentation and redemption of reward offers
US7398226B2 (en) * 2000-11-06 2008-07-08 American Express Travel Related Services Company, Inc. System and method for networked loyalty program
US7398225B2 (en) * 2001-03-29 2008-07-08 American Express Travel Related Services Company, Inc. System and method for networked loyalty program
US7318049B2 (en) * 2000-11-17 2008-01-08 Gregory Fx Iannacci System and method for an automated benefit recognition, acquisition, value exchange, and transaction settlement system using multivariable linear and nonlinear modeling
US20020082920A1 (en) * 2000-11-17 2002-06-27 Kermit Austin System and methods for providing a multi-merchant loyalty program
US20070156530A1 (en) * 2001-11-01 2007-07-05 Jpmorgan Chase Bank, N.A. System and Method for Dynamically Identifying, Prioritizing and Offering Reward Categories
CA2466071C (en) * 2001-11-01 2016-04-12 Bank One, Delaware, N.A. System and method for establishing or modifying an account with user selectable terms
US7134087B2 (en) * 2002-04-05 2006-11-07 Maritz Inc. System and method for transacting purchases with a cash vendor using points
US7788129B2 (en) * 2002-06-25 2010-08-31 American Express Travel Related Services Company, Inc. System and method for redeeming vouchers
US8260661B2 (en) * 2003-09-30 2012-09-04 Visa U.S.A. Inc. System and apparatus for linking multiple rewards programs to promote the purchase of specific product mixes
US20060253321A1 (en) * 2005-05-06 2006-11-09 First Data Corporation Loyalty enrollment systems and methods
US8833645B2 (en) * 2005-06-24 2014-09-16 Visa U.S.A. Inc. System, apparatus and methods for automatically calculating discounts for purchases from merchants made using a reservation system
US8190472B2 (en) * 2005-12-16 2012-05-29 E2Interactive, Inc. Multiple use rebate card
EP2097864A4 (en) * 2006-10-24 2011-10-05 Mastercard International Inc Method and apparatus for reward messaging, discounting and redemption at the point of interaction
US8608061B2 (en) * 2006-10-27 2013-12-17 Bancvue, Ltd. Financial institution account-associated rewards program
US20080103894A1 (en) * 2006-10-28 2008-05-01 Gladstone Chikuang Liang System and method for awarding and redeeming merit points for participation, competition, and performance in sports and in the arts and sciences
US20080281690A1 (en) * 2007-05-09 2008-11-13 Terrence Patrick Tietzen Method, system and computer program for providing a loyalty engine for dynamic administration of charity donations
US20090240579A1 (en) * 2008-03-21 2009-09-24 First Data Corporation Customer loyalty program with shared data and sub-programs
US20100145778A1 (en) * 2008-12-08 2010-06-10 Fordyce Iii Edward W Consumer commercial behavior modification through multiple merchant incentive program

Patent Citations (4)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US20020120514A1 (en) * 2001-02-06 2002-08-29 International Business Machines Corporation Method, computer system and computer program product for processing customer loyalty data
US20020123926A1 (en) * 2001-03-01 2002-09-05 Bushold Thomas R. System and method for implementing a loyalty program incorporating on-line and off-line transactions
US20050240477A1 (en) * 2004-04-23 2005-10-27 Martiz Inc. Cardholder loyalty program with rebate
US20060253320A1 (en) * 2005-05-06 2006-11-09 First Data Corporation Loyalty systems and methods

Also Published As

Publication number Publication date
WO2010065964A2 (en) 2010-06-10
US20100145786A1 (en) 2010-06-10

Similar Documents

Publication Publication Date Title
WO2010065964A3 (en) Loyalty program service
WO2010077661A3 (en) Consumer commercial behavior modification through multiple merchant incentive program
WO2010129571A3 (en) Demographic analysis using time-based consumer transaction histories
WO2010042523A3 (en) System and method for banking
WO2012149455A3 (en) Vertical network computing integration, analytics, and automation
WO2009129323A3 (en) Point of sale coupon systems and methods
WO2012109628A3 (en) Electronic coupon issuance and redemption apparatuses, methods and systems
WO2014085478A3 (en) Systems and methods for processing electronic transactions based on consumer characteristics
AU2011252814A8 (en) Point-of-sale system using prepaid/gift card network
WO2010093893A3 (en) Point of interaction loyalty currency redemption in a transaction
GB2478070A (en) Market dynamics
WO2013040591A3 (en) Checkout-based distribution of digital promotions
WO2010068466A3 (en) Promotional item identification in processing of an acquired transaction on an issued account
EP2115679A4 (en) Methods for providing secure ecommerce transactions
WO2007098251A3 (en) Customer selected coalition systems and methods
WO2011116301A3 (en) Systems and methods to distribute advertisement opportunities to merchants
EP2250614A4 (en) Inventory-based payment processing system and approach
WO2007016138A3 (en) Universal line of credit having multiple financial product features
WO2007025110A3 (en) System and method for consumer opt-out of payment conversions
WO2006083755A3 (en) Systems and methods for automated processing, handling and facilitating a trade credit transaction
WO2011044512A3 (en) Systems and methods to aggregate demand
WO2012044851A3 (en) Accumulation alerts
WO2010080740A3 (en) System combininig and bundling commericial products, items having monetary value, business transactions, and entertainment
WO2006004794A3 (en) Payment processing method and system
WO2012112722A3 (en) Electronic interpersonal advertising

Legal Events

Date Code Title Description
121 Ep: the epo has been informed by wipo that ep was designated in this application

Ref document number: 09831272

Country of ref document: EP

Kind code of ref document: A2

NENP Non-entry into the national phase

Ref country code: DE

122 Ep: pct application non-entry in european phase

Ref document number: 09831272

Country of ref document: EP

Kind code of ref document: A2